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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,683 | $95,453+39.0% | $112,040+18.4% | $82,448+60.9% |
| Participation rate | 94.1% | 72.8%+21.4pp | 76.5%+17.6pp | 68.1%+26.0pp |
| Annual return | 14.81% | 23.92%-9.1pp | 24.52%-9.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $3,789 | $2,318+63.5% | $2,954+28.3% | $2,551+48.5% |
| Participant deferral / active EE | $6,170 | $4,224+46.1% | $5,098+21.0% | $4,139+49.1% |
| Admin fee / account holder | $12,945 | $9,013+43.6% | $12,098+7.0% | $7,234+78.9% |